ONECARD FAQ
Transcript of ONECARD FAQ
OneCard
§ What is the OneCard Pla0orm? § The OneCard Value Proposi8on
§ What benefits for issuer, acquirer, cardholder
§ Comparison with Compe8tors
§ Standard Business Model
§ Time to go live
§ Any requirements from Clients/Partners to integrate and issue OneCard.
®
Platform
In this Presentation we intend to inform the reader the Major Points of the OneCard Platform
What is the OneCard Pla1orm?
• The OneCard Pla1orm issues OneCards that is universally used and accepted as a Closed-‐to-‐Open card management system;
• It is the Western Version of China’s Shang Ying Tong Pla1orm (similar to the Octopus Card System) – BUT more complete;
– Has Closed-to-Open capabilities
• It is supported by other compelling Back Offices
OneCard ® Platform
A New Multipurpose Prepaid Card System
The OneCard is a product of China Union Pay, a prepaid card built on the robust foundaMon of China’s Shang Ying Tong card.
Secured KYC/AML qualified
Physical and Virtual Cards supported
A powerful integrated and
proven Back Office that processes transac8ons worldwide
Full-‐feature cross-‐border transac8ons, funds transfers,
loyalty, and dynamic geo-‐targeted couponing
Immediate seQlement
For Merchants & Recipients
BeQer than mainstream system fees
Worldwide Travel & Student
Cards
OneCard ®
Back Offices and Functions
OneCard Back Offices
iBanker supports – AML, KYC verificaMon; SelecMve Financial Cards for Travelers (e.g. if you’re going to Paris, you buy a Euro Visa Card); a worldwide slim SIM Card for data and all cellular networks; Global ATM Networks for cash withdrawals in local currencies
Yuan2Pay supports – worldwide transfer of funds using the Ripple Protocol. Also the Renminbi Gateway for in and outbound transacMons
MachPay for licensed remi[ance corridors to and from the USA.
This slide shows the various Back Offices that support the OneCard. The overall Back Office is the Shang Ying Tong System (now called the OneCard Back Office). For specific features and funcMons, other Back Offices will seamlessly support.
3.5 billion database
2.5MM ATMs
60 currencies 100 countries
• End-‐to-‐end payment system with its own POS infrastructure • Lower processing fees • Loads funds onto the card • Auto top up • Transfers money between cards • Checks Account balances • Views transacMons • Customizable and scalable • No household income requirement • No membership fees • Mobile and POS capable • Tracks Points and Rewards • Redeems Points for Rewards • You only need OneCard to purchase, reward and redeem
OneCard for single or mul8-‐merchant Mul8-‐category Universal deployment with scalability Mul8-‐apps Merchant independently administered Dynamic, agile and flexible
New profit centres …
Prepayment for the unbanked Bill Payment Cross promo8on and Co-‐branding Loyalty & Rewards Redemp8on Dynamic discoun8ng perk Couponing perk Lucky Draw perk Analy8cs –SKU intel. Dual-‐SIM for worldwide cell-‐networks
OneCard ® Value Proposition
CARD HOLDERS AFFILIATES CARD ISSUER
• Same as all Affiliates benefits plus:
• Control your own closed Loop payment gateway
• OneCard shares revenues when Touch'n GO OneCard are used elsewhere
• Customizable promotion management
• Own Loyalty program management
• Big data
• Revenue streams: • Trust: Interest &
breakage • % of coupon
redemption • % of swipe
transactions (Pay, Earn, Redeem)
• Sell points to Affiliates • Sell data • Legacy revenue
• Access to all cardholders in the network
• Send out discounts & coupons-specials
• Lower transaction fees than the Banks
• You decide on how much you reward your customers
• Geo-target cardholders
• Allow Affiliates to exponentially grow their business
• Data-mining of consumer and location analytics
• On-site merchants receive OneCard payments
OneCard ® Benefits
• Use OneCard for payment at participating merchants
• You only need OneCard to earn, shop & redeem
• Easy reloading or Auto top up
• All points pools on OneCard
• Earn points faster
• Mobile connectivity
• Receive discounts and special promotions.
• P2P Transfer funds
• Redeem points at any merchants or online
• Making your every day life more rewarding
Worldwide Yes Yes Yes No No
Commerce Yes Yes Yes Yes Yes
eCommerce Yes Yes Yes No No
Reloadable Yes Yes Yes Yes Yes
Remi[ance Yes No No No No
Loyalty Yes No No No No
Couponning Yes No No No No
PromoMons Yes No No No No
Target promoMons Yes No No No No
Cell communicaMons Yes No No No No
Customer AnalyMcs Yes No No No No
Oyster Octopus MasterCard VISA OneCard
OneCard ®
Comparison with competitors
ATM Cash-‐Out Yes No No No No
Point-of-Sale Systems
OneCard WI-FI POS terminal
Wi-Fi Merchant
Connectivity
● Smartphone ● iPad ● Laptop ● Router
mPOS (ME-30)
The mPOS (Model ME-30) can be paired with any device that gives it connectivity to the Internet.
OneCard
Our POS terminals transact wirelessly. Great for night markets, and wet markets, open market eateries and events!
Any device with WIFI capability
OneCard Back Office settles the transaction
We have our own infrastructure and Wi-Fi capabilities.
Card holders receive an electronic receipt for each transaction.
Merchants process payments through the
mPOS OneCard terminal
Integration with your present POS infrastructure is possible. With our POSs you an extend POS reach.
• We can also offer cardholders who are travellers a revolutionary new SLIM SIM Card.
• This ultra-slim SIM can be attached to existing SIMs for all smartphones, and offer low-cost roaming access for voice and data worldwide. In addition the EMV SIM can contain a lot of personal data.
• You and OneCard would share revenues with our provider partner.
Worldwide SIM
Ultra Slim SIM Card
Two-in-One
Global ATM Cash-‐Out
• Our iBanker partner has seeded the majority of ATMs with their middleware many years ago
• We now can access them, and will provide Cardholders mobile maps where they are available
• Withdrawal is secure using tokenizaMon
OneCard ® Partnership Models
§ All Clients are pre-qualified, and sign a License Agreement
§ All Clients/Partners are expected to Brand their cards with the
OneCard logo for international identification and acceptance
§ All Clients can issue their own OneCards but production is managed
by Guangzhou UnionPay
§ There are no exclusive territories and regions
§ Integration into our Back Offices must be managed by us
§ Loading into Trust Accounts must be licensed
§ Remittance activities must be licensed
www.onecard.cards | [email protected]
One Card Limited #615-‐700 West Pender Street,
Vancouver, Bri;sh Columbia, Canada V6C 1G8
OneCard ®
No heavy li^ing. The Back Offices are assembled with proper licenses. No heavy investment. We are flexible with the way we work (within jurisdic8onal regula8ons).
All your firm needs is the OneCard to be competitive in today’s mobile and fast marketing world!
Summary